BITTERROOT VALLEY CHAMBER OF COMMERCE (EIN 810143676) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Principal Officer

MELISSA GREENWOOD

Phone

4063632400

Tax Period

2023-01-01 to 2023-12-31

BITTERROOT VALLEY CHAMBER OF COMMERCE is a small nonprofit that reported $184K in total revenue in fiscal year 2023. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $229K exceeded revenue, resulting in a 24% operating deficit.

Mission

SUPPORT FOR LOCAL BUSINESSES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $24,117

Program Service Revenue $100,885

Investment Income $0

Other Revenue $59,458

TOTAL REVENUE $184,460

Expense Breakdown

Grants Paid $1,495

Salaries & Benefits $161,933

Fundraising Expenses $0

Program Expenses $203,918

Other Expenses $65,475

TOTAL EXPENSES $228,903

Year-over-Year Comparison

	2023	2022	Change
Revenue	$184,460	$263,674	-0.3%
Expenses	$228,903	$225,758	+0.0%
Net Income	$-44,443	$37,916	-2.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA GREENWOOD	PRESIDENT	N/A	Officer Director	$0	$0	$0
NICK JAHNKE	PRESIDENT EL	N/A	Officer Director	$0	$0	$0
SANDY BOLLOM	TREASURER	N/A	Officer Director	$0	$0	$0
BRIDGER BIGGINS	PAST PRESIDE	N/A	Director	$0	$0	$0
CAROL HOLMAN	PAST PRESIDE	N/A	Director	$0	$0	$0
JAMIE DEVLIN	PAST PRESIDE	N/A	Director	$0	$0	$0
SUSAN WETZSTEON	PAST PRESIDE	N/A	Director	$0	$0	$0
DARREN BAYER	DIRECTOR	N/A	Director	$0	$0	$0
BRIAN KLEMONSKY	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTINA VOYLES	DIRECTOR	N/A	Director	$0	$0	$0
LIZ COOK	DIRECTOR	N/A	Director	$0	$0	$0
JOHN MAKI	DIRECTOR	N/A	Director	$0	$0	$0
TAMMY PAULEY	DIRECTOR	N/A	Director	$0	$0	$0
RONDA LANG	DIRECTOR	N/A	Director	$0	$0	$0
TERRY BERKHOUSE	DIRECTOR	N/A	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$184,460	$228,903	$174,517	$-44,443
2022	$263,674	$225,758	$223,835	$37,916
2021	$192,524	$188,255	$187,038	$4,269
2020	$170,396	$190,802	$179,718	$-20,406
2019	$164,675	$174,969	$199,764	$-10,294
2018	$166,712	$161,494	$207,533	$5,218

BITTERROOT VALLEY CHAMBER OF COMMERCE